Peoples Bancorp of North Carolina, Inc. (PEBK)

Nasdaq: PEBK · State Commercial Banks · Newton, NC · filing with the SEC since 1999

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Mar 11, 2026	Mar 12, 2025	Mar 7, 2024	Mar 17, 2023	Mar 18, 2022	Mar 19, 2021	Mar 13, 2020	Mar 14, 2019	Mar 15, 2018	Mar 16, 2017
For lenders
Interest and dividend income	83,618	80,733	71,862	54,431	47,179	47,958	49,601	45,350	41,949	39,809
Interest and investment income	2,344	2,259	·	51,108	43,974	44,122^r	1,344	1,342	1,362	1,198
Net interest income	59,017	54,079	·	·	43,974	44,122	45,844	43,204	39,572	36,538
Provision for credit losses	·	·	·	1,472	-1,163	4,259	863	790	-507	-1,206
Net interest income after provision	58,079	54,364	53,153	49,636	45,137	39,863	44,981	42,414	40,079	37,744
Noninterest income	30,980	27,715	22,914	26,689	24,919	22,914	17,739	16,166	15,364^r	16,236^r
Noninterest expense	63,209	61,150	56,144	56,030^r	51,127	8,544^r	45,517	42,574	41,228^r	42,242^r
For insurers
Net investment income	·	54,079	54,719	51,108	43,974	·	·	·	·	·
Total benefits, losses and expenses	·	·	2,400	2,100	·	·	·	·	·	·
Interest expense	24,601	26,654	17,143	3,323	3,205	3,836	3,757	2,146	2,377	3,271
Income before income taxes	25,850	20,929	19,923	20,295	18,929	13,846	17,203	16,006	14,215	11,738
Income tax expense	6,020	4,576	4,377	4,172	3,796	2,489	3,136	2,624	3,947	2,561
Net income including non-controlling interests	·	16,353	15,546	16,123	15,133	56^r	4^r	13,382	10,268	9,177
Net income	19,830	16,353	15,546	16,123	15,133	11,357	14,067	13,382	10,268	9,177
Net income to common shareholders	19,830	16,353	15,546	16,123	15,133	11,357	14,067	13,382	10,268	9,177
Earnings per share, basic	3.74	3.08	2.87	2.94	2.71	2.01^r	2.43^r	2.23	1.71	1.53^r
Earnings per share, diluted	3.62	2.98	2.77	2.85	2.63	1.95	2.36	2.22	1.69	1.50^r
Weighted average shares, basic	5,305,272	5,300,964	5,424,890	5,480,123	5,576,099	5,657,025^r	5,799,505^r	5,995,256	5,988,183	6,024,970^r
Weighted average shares, diluted	5,471,174	5,482,787	5,610,214	5,661,189	5,748,865	5,821,622^r	5,966,485^r	6,015,496	6,062,850	6,102,777^r

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.Share counts and per-share figures are on the newest report's basis, after the change of share basis.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest and investment income what its cash and investments earned

us-gaap:InterestIncomeOther
us-gaap:InvestmentIncomeInterest

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaid

us-gaap:ProvisionForLoanAndLeaseLosses
us-gaap:ProvisionForLoanLeaseAndOtherLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Net investment income what its investments earnedus-gaap:NetInvestmentIncome

Total benefits, losses and expenses claims and every other cost togetherus-gaap:BenefitsLossesAndExpenses

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before tax

us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income including non-controlling interests the whole group's profit, minority holders' share includedus-gaap:ProfitLoss

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton PEBK · research, not advice